Fred E. Thomas Insurance Agency

TERMS AND CONDITIONS OF USE,
LEGAL INFORMATION AND DISCLAIMERS

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE

The materials on this web site (the “Site”) are provided by Fred E. Thomas Agency, Inc. as a service to its customers and may be used for informational purposes only. Single copies may be downloaded subject to the provisions below under the caption “Single Copy License”. Information on this Site may contain technical inaccuracies or typographical errors and may be changed or updated without notice. Fred E. Thomas Agency, Inc. may also make improvements, modifications and/or enhancements in the products, programs and/or services described in this information at any time without notice. By downloading any materials from this Site, you agree to these terms. If you do not agree to them, do not use the Site or download any materials from it.

COPYRIGHT NOTICES

The works of authorship contained in this Site, including, but not limited to, all design, text and images, are owned, except as otherwise expressly stated, by Fred E. Thomas Agency, Inc. or one of its affiliates (“Site Works”). The Site Works may not, except under written license, be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in part in any manner without Fred E. Thomas Agency's prior written consent, except to the extent that such use constitutes “fair use” under the Copyright Act of 1976 (17 U.S.C.§107), as amended, and except for use of one copy in accordance with the license provisions below under the caption “Single Copy License”.

AVAILABILITY OF PRODUCTS, PROGRAMS AND SERVICES

Information on this Site may describe or reference products, programs and services that are not available in your country. Such references do not imply that Fred E. Thomas Agency, Inc. offers or intends to offer such products, programs or services in your country. Consult your local representative for information regarding the products, programs and services that are available in your country.

DISCLAIMERS

INFORMATION ON THIS WEB SITE IS PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSIONS OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. IN NO EVENT WILL Fred E. Thomas Agency, Inc. BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, PUNITIVE, EXEMPLARY, CONSEQUENTIAL OR OTHER SPECIAL DAMAGES FOR ANY USE OF THIS WEB SITE, OR OF ANY LINKED PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON COMPUTER/NETWORK SYSTEMS OR OTHERWISE, EVEN IF EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SINGLE COPY LICENSE

The Site Works are copyrighted and any unauthorized use of any materials on this Site may violate copyright, trademark, and other laws. You may download one copy of the Works found on the Site on a single computer for your personal, non-commercial, internal use only, unless specifically licensed to do otherwise by Fred E. Thomas Agency, Inc. in writing. This is a license, not a transfer of title, and is subject to the following restrictions: you may not: (a) modify the Works or use them for any commercial purpose, or any public display, performance, sale or rental; (b) recompile, reverse engineer, or disassemble software Works; (c) remove any copyright or other proprietary notices from the Works; (d) transfer the Works to another person; or (e) permit any unauthorized copying of the Works. Fred E. Thomas Agency, Inc., in its sole discretion, may terminate this license at any time, without cause. Upon termination, you will immediately destroy any copies of the Works in our possession.

RESTRICTED RIGHTS

The Works are provided with “RESTRICTED RIGHTS”. Use, duplication, or disclosure by the United States Government is subject to restrictions set forth in FAR52.227-14 and DFAR252.227-7013 et.seq. or their successors. Any use of the Works by the United States Government constitutes acknowledgement of Fred E. Thomas Agency's, proprietary rights in them.

COMMUNICATIONS SUBMITTED

Any material, documents, information or other communication you transmit or post to this Site will be considered non-confidential and non-proprietary (“Communications”). Fred E. Thomas Agency, Inc. will have no obligations with respect to the Communications. If you transmit or post any Communications to the Site, you grant to Fred E. Thomas Agency, Inc. and its designees, an unrestricted, irrevocable license to copy, disclose, distribute, reproduce, perform, modify, transmit, license, sublicense, incorporate and otherwise use the Communications and all data, images, sounds, text, ideas, concepts, inventions, know-how, techniques and other things embodied therein for any and all commercial or non-commercial purposes. You are prohibited from posting or transmitting to or from this Site any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material that would violate any law.

USE OF PERSONALLY IDENTIFIABLE INFORMATION

Information submitted to Fred E. Thomas Agency, Inc. through forms on the Site is governed according to the Site Privacy Policy.

THIRD PARTY SITES

Fred E. Thomas Agency, Inc. makes no representations whatsoever about any other web site which you may access through this Site, whether by hyperlink or otherwise. When you access a third party web site, please understand that it is independent from the Site, and that Fred E. Thomas Agency, Inc. has no control over the content on that web site. Fred E. Thomas Agency, Inc. reserves the right to terminate any link or linking program at any time, without notice. Fred E. Thomas Agency, Inc. does not endorse companies or products to which it links and reserves the right to state this on its Site web pages. If you access any third party sites linked to this Site, whether by hyperlink or otherwise, you do so entirely at your own risk. It is up to you to take precautions to ensure that whatever you select for your use is free of materials of a destructive nature, such as viruses, worms, trojan horses and similar destructive files.

APPLICABLE LAW

This Site is operated by Fred E. Thomas Agency, Inc. from its offices within the United States of America. Fred E. Thomas Agency, Inc. makes no representation that information on the Site is appropriate or available for use in other locations, and access to the Site from locations where any such Site information is illegal is prohibited. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export any Site information in violation of U.S. export laws, rules and regulations. Any claim relating to the Works or other Site information shall be governed by the internal substantive laws of the State of New York and shall be subject to the Disclaimers contained on this page under the caption “Disclaimers”.

GENERAL

Fred E. Thomas Agency, Inc. may revise these Terms and Conditions at any time by updating this page. You should review this page, or its successor on this Site, from time to time to the then-current Terms and Conditions because they are binding on you. Certain provisions of these Terms and Conditions may be superseded by legal notices or terms located on other pages of this Site.